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Compare two coverages
Primary & non-contributory
Published 2026-06-12 · by Brokly
In plain terms: Your policy pays first — and in full — for a covered claim; the other party’s insurance doesn’t have to chip in (it doesn’t “contribute”).
Why it matters to you
Without it, two policies covering the same claim can each wait for the other. The wording puts yours unambiguously first — which is exactly why contracts demand it together with additional-insured status.
Where you’ll see it
In the same contract sentence as the additional-insured demand ("on a primary and non-contributory basis"), satisfied by an endorsement.
Related terms
Definitions describe how policies are typically structured — exact terms live in the policy. Not legal or compliance advice.